Bar Harbor Bankshares director acquires 114 shares

Director Matthew L. Caras increased his directly held BHB common stock through a dividend reinvestment plan award.

Available on EDGAR 09/22/2026 - 10:45 AM EDT Accepted by SEC EDGAR 09/22/2026 - 10:45 AM EDT Learn about SEC filing dates

Rhea-AI Filing Summary

BAR HARBOR BANKSHARES (BHB) director Matthew L. Caras reported acquiring 114.509 shares of common stock on September 18, 2026 at $40.08 per share. The shares were acquired through participation in the Bar Harbor Bankshares Dividend Reinvestment and Direct Stock Purchase and Sale Plan, in a transaction exempt under Rule 16b-3(d). Following this award, he holds 23,133.873 shares directly, and no Rule 10b5-1 trading plan is reported.

Insider Trade Summary

Grant/Award: 114.509 shares

Grant/Award 1 txn

Insider Caras Matthew L

Role Director

Type	Security	Shares	Price	Value
Grant/Award	Common Stock F1	114.509	$40.08	$5K

Holdings After Transaction: Common Stock — 23,133.873 shares (Direct)

Footnotes (1)

1. F1. These shares were acquired through the reporting person's participation in the Bar Harbor Bankshares Dividend Reinvestment and Direct Stock Purchase and Sale Plan, in a transaction exempt under Rule 16b-3(d) under the Securities and Exchange Act of 1934, as amended.

Key Figures

Shares acquired: 114.509 shares Price per share: $40.08 per share Shares held after transaction: 23,133.873 shares

3 metrics

Shares acquired 114.509 shares Grant/award acquisition on September 18, 2026

Price per share $40.08 per share Value used for the plan-based share acquisition

Shares held after transaction 23,133.873 shares Directly owned by Matthew L. Caras after the award

Key Terms

Dividend Reinvestment and Direct Stock Purchase and Sale Plan, Rule 16b-3(d), Securities and Exchange Act of 1934

3 terms

Dividend Reinvestment and Direct Stock Purchase and Sale Plan financial

"These shares were acquired through the reporting person's participation in the Bar Harbor Bankshares Dividend Reinvestment and Direct Stock Purchase and Sale Plan"

Rule 16b-3(d) regulatory

"in a transaction exempt under Rule 16b-3(d) under the Securities and Exchange Act of 1934"

Rule 16b-3(d) is a narrow SEC safe-harbor that shields company insiders (officers, directors and large shareholders) from liability for short‑swing profits when their buys or sells of company stock are made under a pre-established, written plan or contract that removes the insider’s ability to time trades. For investors, this matters because it permits predictable, automated insider transactions — like scheduled sales for diversification or payroll withholding — without triggering forced disgorgement, so such planned trades are treated differently from opportunistic insider trading.

Securities and Exchange Act of 1934 regulatory

"under Rule 16b-3(d) under the Securities and Exchange Act of 1934, as amended"

A U.S. federal law that set the rules for trading public securities, requiring companies and market participants to disclose regular financial information, keep trading records, and follow fair-dealing standards, and it created the government agency that enforces those rules. It matters to investors because these requirements act like a safety and transparency system—making company performance and trading behavior easier to verify and reducing the risk of fraud and unfair advantage.

FAQ

AI-generated questions and answers. How Rhea-AI works. Not financial advice.

What insider transaction did BHB director Matthew L. Caras report on this Form 4?

Matthew L. Caras reported acquiring 114.509 shares of BAR HARBOR BANKSHARES common stock on September 18, 2026, as a grant or award rather than an open-market purchase.

At what price were the new BHB shares credited to Matthew L. Caras?

The newly acquired BHB shares were credited at $40.08 per share in connection with the Dividend Reinvestment and Direct Stock Purchase and Sale Plan.

How many BHB shares does Matthew L. Caras hold after this transaction?

After the September 18, 2026 transaction, Matthew L. Caras directly holds 23,133.873 shares of BAR HARBOR BANKSHARES common stock.

Was the BHB Form 4 transaction by Matthew L. Caras made under a Rule 10b5-1 plan?

No. The filing indicates no Rule 10b5-1 trading plan is reported for this transaction, and the document-level Rule 10b5-1 checkbox is unchecked.

How were the additional BHB shares acquired by Matthew L. Caras?

The additional shares were acquired through participation in the Bar Harbor Bankshares Dividend Reinvestment and Direct Stock Purchase and Sale Plan, in a transaction exempt under Rule 16b-3(d).

AI-generated analysis. How Rhea-AI works. Not financial advice.

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SEC Form 4

FORM 4

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940

OMB APPROVAL

OMB Number:			3235-0287
Estimated average burden
hours per response:			0.5

Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).

Check this box to indicate that a transaction was made pursuant to a contract, instruction or written plan for the purchase or sale of equity securities of the issuer that is intended to satisfy the affirmative defense conditions of Rule 10b5-1(c). See Instruction 10.

1. Name and Address of Reporting Person^*

Caras Matthew L

(Last) (First) (Middle)

PO BOX 400

82 MAIN STREET

(Street)

BAR HARBOR MAINE 04609

(City) (State) (Zip)

UNITED STATES

(Country)

2. Issuer Name and Ticker or Trading Symbol
BAR HARBOR BANKSHARES [ BHB ]

5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)

X	Director		10% Owner
	Officer (give title below)		Other (specify below)

2a. Foreign Trading Symbol

3. Date of Earliest Transaction (Month/Day/Year)
09/18/2026

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

4. If Amendment, Date of Original Filed (Month/Day/Year)

Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	3. Transaction Code (Instr. 8)		4. Securities Acquired (A) or Disposed Of (D) (Instr. 3, 4 and 5)			5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4)	6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
			Code	V	Amount	(A) or (D)	Price
Common Stock	09/18/2026		A(1)	V	114.509	A	$40.08	23,133.873	D

Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 3)	2. Conversion or Exercise Price of Derivative Security	3. Transaction Date (Month/Day/Year)	3A. Deemed Execution Date, if any (Month/Day/Year)	4. Transaction Code (Instr. 8)		5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5)		6. Date Exercisable and Expiration Date (Month/Day/Year)		7. Title and Amount of Securities Underlying Derivative Security (Instr. 3 and 4)		8. Price of Derivative Security (Instr. 5)	9. Number of derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4)	10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)
				Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares

Explanation of Responses:

1. These shares were acquired through the reporting person's participation in the Bar Harbor Bankshares Dividend Reinvestment and Direct Stock Purchase and Sale Plan, in a transaction exempt under Rule 16b-3(d) under the Securities and Exchange Act of 1934, as amended.

	/s/ Olivia Erickson, Attorney-in-Fact	09/22/2026
	** Signature of Reporting Person	Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 4 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.
* Form 4: SEC 1474 (03-26)